Credit Risk Specialist (ATH 4700)

TD•Toronto, ON

3d•Onsite

About The Position

The TDAF Risk Strategy Team is responsible for the development and execution of Automated Risk Decision and initiatives that will assist TDAF business partners to achieve growth and profitability targets while maintaining the overall risk quality of our lending portfolios. Accountabilities include providing leadership on optimizing Automated Risk Decision (ARD) and monitoring and oversight of a highly dynamic and exciting portfolio. Reporting to the Senior Manager, TDAF Credit Risk Strategy, the Credit Risk Strategy Manager will develop, monitor and enhance Automated Risk Decision for the TDAF portfolio. The successful candidate will work in a fast-paced and results-oriented environment and will be part of a learning culture where ongoing development is encouraged.

Requirements

4-5 years of Retail Credit Risk Management experience in a financial institution or similar
Experience working with credit data, either within a risk management or product context
High Proficiency in Python and SQL.
High Proficiency in MS Office: Excel (Pivot tables and etc.), Word and PowerPoint
Flexibility and resilience to execute in an agile environment, including the ability to adapt and manage changing priorities
Analytical and intellectually curious, seeking to understand root causes
Great attention to detail
Strong ownership mentality and can do attitude
Strong presentation and communication skills
Excellent relationship management skills
Post-secondary degree is required (preferably in a quantitative field: i.e. Math, Statistics, Computer Science or similar).

Nice To Haves

Prior experience in automated adjudication strategy development would be considered a strong asset
Auto Finance industry experience would be considered a strong asset
Others such as SAS, Tableau, Angoss would be considered an asset
Prior experience in machine learning (e.g., Decision tree, XGBoost) and building models in MS Azure would be considered a strong asset
Proficiency in Big data (Hadoop, HIVE, Spark, etc.) would be considered an asset
A Master’s Degree is considered to be an asset.

Responsibilities

Participate in development, design, testing and verification of TDAF Automated Risk Decision for acquisition.
Regularly monitor performance of existing and new ARDs, in terms of both the rate of auto-adjudication versus expectations and historical levels, and the on-book performance of loans which are funded through the various implemented ARDs.
Represent Retail Risk Management as a subject matter expert in the planning of new initiatives and product launches for TDAF.
Collaborate with all stakeholders including Risk Infrastructure and Reporting Team, TDBFG Risk, TDAF Product group and external vendors.
Provide insights and analysis that will identify origination and delinquency trends and inform revenue enhancement and loss mitigation decisions.